BlastPoint's Banking Scorecard
Lamont Bank of St. John
Micro
Specialty: Agricultural
WA
FDIC cert 8681
Designations: ✓ Community bank
Saint John, WA
2498
banks in Micro tier nationally
11 in WA
View Micro leaderboard (WA) →
Lamont Bank of St. John faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.28% below tier
- - Delinquency Rate 3.38% above tier
- - Nonperforming Asset Ratio 1.89% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.4M
-13.6% YoY
+1.0% QoQ
|
-$156.1M |
$217.5M
+2.3% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$35.7M
-14.6% YoY
-8.2% QoQ
|
-$103.5M |
$139.2M
+2.8% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$56.0M
-8.6% YoY
+1.3% QoQ
|
-$127.7M |
$183.7M
+1.8% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
-1.19%
-74.8% YoY
+23.6% QoQ
|
-2.28% |
1.08%
+14.7% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.15%
+21.3% YoY
-1.7% QoQ
|
-0.71% |
3.85%
+6.6% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
81.63%
+1.3% YoY
+7.7% QoQ
|
+13.91% |
67.73%
-4.8% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
4.02%
+59.0% YoY
+12.8% QoQ
|
+3.38% |
0.64%
+24.4% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
63.80%
-6.7% YoY
-9.3% QoQ
|
-10.73% |
74.53%
+0.5% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
29.46%
+7.1% YoY
+9.4% QoQ
|
+7.07% |
22.39%
-1.3% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
2.34%
+57.2% YoY
+2.6% QoQ
|
+1.89% |
0.45%
+25.1% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.13%
+80.6% YoY
+26.6% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.19%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.02%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.34%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.46% · Tier avg: 22.39%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.80% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
18
18th pctile
Efficiency Ratio
Current: 81.63% · Tier avg: 67.73%
13
13th pctile
Total Loans
Current: $35.7M · Tier avg: $139.2M
12
12th pctile
Total Deposits
Current: $56.0M · Tier avg: $183.7M
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
10
10th pctile
Total Assets
Current: $61.4M · Tier avg: $217.5M
2
2th pctile
Return on Assets
Current: -1.19% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 4.02% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.34% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.34% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.02% · Tier avg: 0.64%
2
2th pctile
Return on Assets
Current: -1.19% · Tier avg: 1.08%
10
10th pctile
Total Assets
Current: $61.4M · Tier avg: $217.5M
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
12
12th pctile
Total Deposits
Current: $56.0M · Tier avg: $183.7M
13
13th pctile
Total Loans
Current: $35.7M · Tier avg: $139.2M
18
18th pctile
Efficiency Ratio
Current: 81.63% · Tier avg: 67.73%
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.80% · Tier avg: 74.53%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.46% · Tier avg: 22.39%